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A native of Karnataka, "Dhatta" became passionate about the Northeast region of India while undertaking a government development project. During this time, Dhatta experienced first hand the difficulties faced by the
local poor in accessing essential financial services to improve their lives. Typically, small and marginal farmers, unable to access financial loans to grow their businesses, have been forced to purchase loans from local agents at
outrageously high interest rates. Though formal lending institutions are available, they are not traditionally geared towards small-scale entrepreneurs. This predicament inspired Dhattateya Hosagrahar to establish the Institute of
Integrated Resource Management (IIRM) in 2000 to provide the hard-to-reach communities of Northeast India with life-changing access to microfinance. His is the current CEO of Institute of Integrated Resources Management
C.S. Ghosh is the founder and CEO of Bandhan, a Kolkata-based microfinance institution which provides services in microfinance, micro-entrepreneurship, health, education, and disaster management to India's working poor.
The organization focuses primarily on providing financial services to women, a critical step in breaking the cycle of poverty. Bandan ranked second in the Forbes' list of the world's Top 50 Micro Finance Institutions. The first of its kind, Bandhan ranked #3 for its efficiency and
impact. With Ghosh's leadership and focus on highly standardized systems, the organization has expanded with increasing efficiency.
Vincent Perlas is President of the LifeBank Foundation. Trained in agribusiness and public health, Vincent chose to dedicate his time exclusively to microfinance in 2005. After years of working in banking and agriculture
in nonprofit and for-profit capacities, he began to believe in the promise of microfinance as a serious solution to worldwide poverty. Although he admits that poverty is caused by a spectrum of factors, he firmly believes that the lack of
financial services for the working poor, the majority, is one of the core sources of the problem.
Muhammad Yunus earned the nickname "banker to the poor" by giving tiny cash loans -- often the equivalent of a few dollars -- to the poorest of the poor in Bangladesh. That simple idea grew into an international movement
so vibrant that Yunus was awarded the 2006 Nobel Prize for Peace. Yunus earned a Ph.D. in economics at Vanderbilt University in 1969. He taught at Middle Tennessee State University before returning to Bangladesh in 1972 to teach economics
at Chittagong University. According to a now-famous story, his first loan was given to a group of very poor women from the village of Jobra in 1974; the amount was the equivalent of $27. Two years later, in 1976, Yunus founded the Grameen
Bank to make such loans on a wider scale, mostly to people with no collateral who would not be served by typical banks. The notion became known as microcredit, and as it spread to other countries it gave thousands of people the opportunity
to pull themselves out of abject poverty. Yunus and Grameen were jointly given the Nobel Prize in 2006. By that time the bank had helped more than six million borrowers, the vast majority of them women. In awarding the prize, the Nobel
Committee stated: "Lasting peace can not be achieved unless large population groups find ways in which to break out of poverty. Microcredit is one such means."
This article is a primer for entrepreneurs who need to understand the basics of intellectual property law as a precursor to selecting how to protect their intangible assets, trade secrets and know-how, trademarks and trade names, patents and patent applications, and copyrights.
This article provides an expert explanation of the various kinds of patents, including utility patents and design patents, along with a practical description of the complete patenting process.
There are many ways to read financial statements. This information will add understanding to your own reading of your financial statements.
Outsourcing provides a solution to a wide variety of tasks that may not be efficient for a company to handle itself, especially an early-stage business that needs to focus on its top priorities.
Many entrepreneurs with family-owned or closely held businesses say the most difficult challenges involve deciding who will succeed the current generation.
When developing a strategic plan to launch an international business program, growing companies must consider the potential barriers and adjustments they might need to make to their products and services.
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